Guarantee Issue STM with 100% coverage (no coinsurance) to $1M after the deductible is met. Deductibles: $100 to $5,000- Available in AZ, CA, CT, GA, IL, MN & TX with more states to come. Re-writes available in all states where product is available, with no gap in coverage and no maximum cap on number of rewrites. 3 month maximum duration for each term of coverage; 12 month pre-existing provision and deductible re-sets for each 3 month duration.
STM product for individuals or families - providing nearly 12 months of coverage with a one-time purchase of four certificates that provide consecutive coverage without gaps in coverage.
UNIQUE FEATURES: NEW HEALTH CONDITIONS occurring any time during the nearly 12 months of consecutive coverage are not considered pre-existing health conditions. Health conditions occurring, treated and/or recognized in the period BEFORE the STM effective date are considered pre-existing conditions.
Deductibles: $1,000 to $10,000 - Coinsurance: 70/30 or 80/20 - Max Benefits: $100,000 to $1,000,000
A+ rated insurance carrier - Online enrollment
Several simplified health questions with coverage to $2M; 80%/20% and 50%/50% coinsurance options to $5,000 stop loss. Deductibles: $500 to $7,500
those traveling abroad or into the U.S. needing Medical coverage